{"id":326241,"date":"2024-10-22T09:33:32","date_gmt":"2024-10-22T08:33:32","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=326241"},"modified":"2024-10-22T09:33:32","modified_gmt":"2024-10-22T08:33:32","slug":"dtest-falesne-registry-s-realnymi-poplatky","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=326241","title":{"rendered":"dTest: Fale\u0161n\u00e9 registry s re\u00e1ln\u00fdmi poplatky"},"content":{"rendered":"

Spot\u0159ebitel\u00e9 by m\u011bli b\u00fdt obez\u0159etn\u00ed, cht\u011bj\u00ed-li z\u00edskat informace z registru dlu\u017en\u00edk\u016f. Provozovatel\u00e9 t\u011bchto registr\u016f \u010dasto slibuj\u00ed detailn\u00ed informace o stavu dluh\u016f, ale mnohdy poskytnou ne\u00fapln\u00fd p\u0159ehled, za kter\u00fd si spot\u0159ebitel p\u0159esto p\u0159iplat\u00ed. Jak se vyhnout zbyte\u010dn\u00fdm v\u00fddaj\u016fm a kde z\u00edskat spolehliv\u00e9 informace?<\/h4>\n

K \u010demu registry slou\u017e\u00ed?<\/h6>\n

\"\"Pokud se spot\u0159ebitel ocitne v situaci, kdy pot\u0159ebuje ov\u011b\u0159it svou bonitu, nap\u0159\u00edklad p\u0159i \u017e\u00e1dosti o hypot\u00e9ku \u010di \u00fav\u011br nebo se chce zorientovat ve sv\u00fdch finan\u010dn\u00edch z\u00e1vazc\u00edch, nab\u00edz\u00ed se mu vyu\u017e\u00edt slu\u017eeb tzv. registru dlu\u017en\u00edk\u016f. P\u0159i zad\u00e1n\u00ed tohoto v\u00fdrazu do internetov\u00e9ho vyhled\u00e1va\u010de se objev\u00ed r\u016fzn\u00e9 webov\u00e9 str\u00e1nky, kter\u00e9 nab\u00edzej\u00ed v\u00fdpisy slibuj\u00edc\u00ed poskytnut\u00ed podrobn\u00fdch informac\u00ed o existuj\u00edc\u00edch dluz\u00edch spot\u0159ebitele. Obvykle sta\u010d\u00ed zadat z\u00e1kladn\u00ed \u00fadaje, jako jsou jm\u00e9no a datum narozen\u00ed, a zaplatit po\u017eadovanou \u010d\u00e1stku, za kterou m\u00e1 spot\u0159ebitel obdr\u017eet p\u0159ehledn\u00fd dokument o sv\u00fdch finan\u010dn\u00edch z\u00e1vazc\u00edch. Je v\u0161ak d\u016fle\u017eit\u00e9 m\u00edt na pam\u011bti, \u017ee spolehlivost t\u011bchto v\u00fdpis\u016f m\u016f\u017ee b\u00fdt sporn\u00e1 a nemus\u00ed v\u017edy odpov\u00eddat re\u00e1ln\u00e9mu stavu.<\/p>\n

V \u010cesk\u00e9 republice toti\u017e neexistuje \u017e\u00e1dn\u00fd jednotn\u00fd centr\u00e1ln\u00ed registr spravovan\u00fd st\u00e1tn\u00edmi institucemi, kter\u00fd by zahrnoval v\u0161echny dluhy a z\u00e1vazky fyzick\u00fdch i pr\u00e1vnick\u00fdch osob. Z ve\u0159ejn\u011b dostupn\u00fdch evidenc\u00ed lze zjistit p\u0159edev\u0161\u00edm informace o dlu\u017en\u00edc\u00edch, kte\u0159\u00ed se spl\u00e1cen\u00edm dostali do v\u011bt\u0161\u00edch pot\u00ed\u017e\u00ed. Za t\u00edmto \u00fa\u010delem je mo\u017en\u00e9 vyu\u017e\u00edt nap\u0159\u00edklad registr exekuc\u00ed, kter\u00fd spravuje Exekutorsk\u00e1 komora nebo insolven\u010dn\u00ed rejst\u0159\u00edk spravovan\u00fd Ministerstvem spravedlnosti.<\/p>\n

\u201eV\u011bt\u0161ina registr\u016f je provozov\u00e1na soukrom\u00fdmi spole\u010dnostmi, kter\u00e9 \u010dasto \u010derpaj\u00ed informace z t\u011bchto ofici\u00e1ln\u00edch evidenc\u00ed a v r\u00e1mci sv\u00e9 slu\u017eby je jen shroma\u017e\u010fuj\u00ed do jednotn\u00e9ho dokumentu. Registry tak mohou myln\u011b vytv\u00e1\u0159et dojem, \u017ee poskytuj\u00ed komplexn\u00ed informace o v\u0161ech dluz\u00edch spot\u0159ebitele, co\u017e nemus\u00ed b\u00fdt pravda,\u201c<\/em> uv\u00e1d\u00ed \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest Eduarda Hek\u0161ov\u00e1. Poskytovan\u00e9 v\u00fdpisy nav\u00edc nemaj\u00ed pr\u00e1vn\u00ed relevanci a nemohou slou\u017eit jako ofici\u00e1ln\u00ed potvrzen\u00ed o bezdlu\u017enosti.<\/p>\n

Kde je probl\u00e9m?<\/h6>\n

Pokud je ze str\u00e1nek registru jasn\u011b uvedeno, co slu\u017eba obsahuje a z jak\u00fdch evidenc\u00ed a registr\u016f \u010derp\u00e1, nemus\u00ed b\u00fdt na takov\u00e9 slu\u017eb\u011b nic problematick\u00e9ho. Probl\u00e9m v\u0161ak nast\u00e1v\u00e1, kdy\u017e registry pou\u017e\u00edvaj\u00ed formulace jako \u201eofici\u00e1ln\u00ed\u201c nebo \u201ecentr\u00e1ln\u00ed\u201c, a t\u00edm vyvol\u00e1vaj\u00ed myln\u00fd dojem, \u017ee se jedn\u00e1 o komplexn\u00ed v\u00fdpis v\u0161ech dluh\u016f, za kter\u00fd si je spot\u0159ebitel ochotn\u00fd zaplatit. \u201eTakov\u00e9 registry ale ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nespolupracuj\u00ed s bankami ani jin\u00fdmi \u00fav\u011brov\u00fdmi institucemi, tak\u017ee v nich zcela chyb\u00ed pom\u011brn\u011b z\u00e1sadn\u00ed informace,\u201c<\/em> dopl\u0148uje Eduarda Hek\u0161ov\u00e1.<\/p>\n

Dal\u0161\u00ed komplikac\u00ed je, \u017ee n\u011bkter\u00e9 registry po\u017eaduj\u00ed od u\u017eivatel\u016f registraci a s n\u00ed spojen\u00e9 pravideln\u00e9 platby za veden\u00ed u\u017eivatelsk\u00e9ho \u00fa\u010dtu. Spot\u0159ebitel se tak m\u016f\u017ee domn\u00edvat, \u017ee plat\u00ed pouze za jeden v\u00fdpis, ale z\u00e1rove\u0148 si neuv\u011bdomuje, \u017ee souhlas\u00ed s pravideln\u00fdm \u00fa\u010dtov\u00e1n\u00edm za poskytovan\u00e9 slu\u017eby. Poskytovatel\u00e9 registr\u016f se nav\u00edc \u010dasto zbavuj\u00ed odpov\u011bdnosti za ne\u00fapln\u00e9 informace, proto\u017ee p\u016fsob\u00ed jen jako zprost\u0159edkovatel\u00e9 dat z jin\u00fdch evidenc\u00ed a registr\u016f.<\/p>\n

Kde z\u00edskat ov\u011b\u0159en\u00e9 informace?<\/h6>\n

Pokud spot\u0159ebitel\u00e9 hledaj\u00ed spolehliv\u00e9 informace o sv\u00fdch z\u00e1vazc\u00edch, je nejlep\u0161\u00ed obr\u00e1tit se p\u0159\u00edmo na ofici\u00e1ln\u00ed registry a instituce. Krom\u011b Centr\u00e1ln\u00ed evidence exekuc\u00ed (CEE) a insolven\u010dn\u00edho rejst\u0159\u00edku m\u016f\u017eete vyu\u017e\u00edt Bankovn\u00ed a Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed (BRKI a NRKI), kter\u00e9 obsahuj\u00ed \u00fadaje o \u00fav\u011brech. Tyto registry jsou sice rovn\u011b\u017e spravov\u00e1ny soukrom\u00fdmi spole\u010dnostmi, ale spolupracuj\u00ed s bankami a v\u011bt\u0161inou \u00fav\u011brov\u00fdch spole\u010dnost\u00ed z nebankovn\u00edho sektoru. Vyu\u017e\u00edvan\u00fd je tak\u00e9 registr SOLUS, kter\u00fd sleduje platebn\u00ed mor\u00e1lku u takov\u00fdch instituc\u00ed, jako jsou mobiln\u00ed oper\u00e1to\u0159i \u010di dodavatel\u016f energi\u00ed. \u201eZ\u00e1vazky v\u016f\u010di st\u00e1tu si spot\u0159ebitel\u00e9 mohou ov\u011b\u0159it p\u0159\u00edmo u konkr\u00e9tn\u00edch instituc\u00ed, jako jsou finan\u010dn\u00ed \u00fa\u0159ad, \u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed nebo zdravotn\u00ed poji\u0161\u0165ovny, kde lze z\u00edskat p\u0159esn\u00e9 informace,<\/em>\u201c dod\u00e1v\u00e1 Eduarda Hek\u0161ov\u00e1.<\/p>\n

V p\u0159\u00edpad\u011b, \u017ee si spot\u0159ebitel nen\u00ed jist\u00fd, zda m\u00e1 dluhy v\u016f\u010di konkr\u00e9tn\u00ed instituci, je nejjednodu\u0161\u0161\u00ed a nejlevn\u011bj\u0161\u00ed mo\u017enost\u00ed kontaktovat ji p\u0159\u00edmo. Nap\u0159\u00edklad pokud m\u00e1te pochybnosti o sv\u00fdch z\u00e1vazc\u00edch v\u016f\u010di bance, je nejlep\u0161\u00ed obr\u00e1tit se p\u0159\u00edmo na ni a po\u017e\u00e1dat o v\u00fdpis nebo podrobnosti o \u00fav\u011brech. Stejn\u00fd postup lze uplatnit u telefonn\u00edch oper\u00e1tor\u016f, zdravotn\u00edch poji\u0161\u0165oven nebo jin\u00fdch spole\u010dnost\u00ed. T\u00edmto zp\u016fsobem z\u00edsk\u00e1 spot\u0159ebitel nejaktu\u00e1ln\u011bj\u0161\u00ed informace p\u0159\u00edmo od zdroje, vyhne se zbyte\u010dn\u00fdm poplatk\u016fm a m\u016f\u017ee v\u010das reagovat na p\u0159\u00edpadn\u00e9 dluhy.<\/p>\n

Pokud spot\u0159ebitel\u00e9 maj\u00ed ot\u00e1zky k tomuto t\u00e9matu, mohou se obr\u00e1tit na bezplatnou spot\u0159ebitelskou poradnu dTestu, a to elektronicky na www.dtest.cz\/spotrebitelska-poradna<\/strong><\/a> nebo telefonicky na \u010d\u00edslo 299 149 009<\/p>\n

dTest<\/strong><\/p>\n

\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

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